LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,916
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,717
−HK$1,831/mo
Today · 4.125%
HK$61,548
baseline
▲ 0.50% · 4.625%
HK$65,293
+HK$3,745/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$123,096/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,431
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,159
−HK$1,753/mo
Today · 4.125%
HK$67,912
baseline
▲ 0.50% · 4.625%
HK$71,492
+HK$3,580/mo
Deposit HK$12.70M · loan HK$12.70M · min. income ≈ HK$135,824/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,079,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,499
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,661
−HK$2,196/mo
Today · 4.125%
HK$73,857
baseline
▲ 0.50% · 4.625%
HK$78,351
+HK$4,494/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$147,714/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,317
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,391
−HK$2,103/mo
Today · 4.125%
HK$81,494
baseline
▲ 0.50% · 4.625%
HK$85,790
+HK$4,296/mo
Deposit HK$10.16M · loan HK$15.24M · min. income ≈ HK$162,988/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,082
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,604
−HK$2,563/mo
Today · 4.125%
HK$86,167
baseline
▲ 0.50% · 4.625%
HK$91,410
+HK$5,243/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$172,334/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,203
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,622
−HK$2,455/mo
Today · 4.125%
HK$95,077
baseline
▲ 0.50% · 4.625%
HK$100,088
+HK$5,011/mo
Deposit HK$7.62M · loan HK$17.78M · min. income ≈ HK$190,154/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,249
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$107,491
−HK$3,295/mo
Today · 4.125%
HK$110,786
baseline
▲ 0.50% · 4.625%
HK$117,527
+HK$6,741/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$221,572/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,975
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$119,086
−HK$3,155/mo
Today · 4.125%
HK$122,241
baseline
▲ 0.50% · 4.625%
HK$128,685
+HK$6,444/mo
Deposit HK$2.54M · loan HK$22.86M · min. income ≈ HK$244,482/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,451 · Scale 2, in force from 26 Feb 2026)